Director, FP&A

Description


JOB TITLE: Director, FP&A

LOCATION: Jersey City, NJ/ New York

REPORTS TO: CFO

The Company:


Sunbit builds financial technology for real life. Our AI-native platform helps more people get to "yes" at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.

We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.

What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.

We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates - 90%+ in auto service and 85%+ in dental - while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.

Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say "yes" more often and help customers move forward with confidence.

The Role:

Sunbit is seeking a highly motivated and experienced Director, FP&A to join our growing team. This critical role will be responsible for overseeing key financial functions, providing strategic financial guidance, and contributing to the overall financial health and growth of the company.

This highly visible role offers a unique opportunity to meaningfully shape the future of our financial operations. The ideal candidate is a strategic thinker with strong leadership skills, a deep understanding of financial principles, a strong work ethic, effective communicator, and someone with a proven track record who brings a focus on continuous improvement and enjoys collaborating with people across the organization in a dynamic and fast-paced environment.

Requirements


What You'll Own:

• Financial Strategy: Partner with business leaders to develop and implement the company's overall financial strategy in alignment with business goals. Provide strategic financial input and leadership to support decision-making at the executive level. Evaluate and recommend potential investments, acquisitions, and other strategic initiatives. Develop financial models and conduct sensitivity analysis to assess potential risks and opportunities.
• Financial Planning and Analysis : Lead the development and execution of the company's financial planning process, including budgeting, forecasting, and financial planning activities. Conduct financial analysis and performance monitoring, identify key trends and variances, and provide actionable insights to executive leadership to support business growth and profitability.
• Risk Management: Identify and assess financial risks and develop strategies to mitigate them.
• Capital Management: Partner with colleagues across the finance department, including Capital Markets and Accounting, in connection with the development and execution of the company's capital strategy, including debt and equity financings.
• Financial Reporting : Lead the preparation and presentation of accurate and timely financial reports to the executive team, board of directors and external stakeholders. Ensure compliance with accounting standards and regulatory requirements.
• Investor Relations (as needed) :Prepare presentations and serve as a liaison with investors and financial institutions. Communicate the company's financial performance and strategy.
• Team Leadership: Lead, mentor and develop a high-performing finance team, and foster a culture of collaboration, accountability, and continuous improvement. Recruit, train, and retain skilled finance professionals
• Special Projects: Lead or participate in special projects as assigned, such as system implementations, due diligence, and other ad-hoc analyses.
• Drive financial discipline, fact-based decision-making, and financial visibility across the company.
• Drive dialogue between key stakeholders to establish and evolve organizational KPIs.

What You'll Bring:

• Bachelor's degree in Finance, Accounting, Business, or a related field. MBA or CPA is often preferred.
• 7-10 years of progressive experience in finance, with a focus on FP&A, balance sheet lending strategy, financial reporting, and strategic finance within the Fintech industry
• Experience at an entity with a lending portfolio strategy that originates consumer loans and/or credit card receivables
• Experience in Investment Banking
• Strong understanding of financial management principles, GAAP and other relevant accounting standards.
• Proven ability to develop and manage budgets, forecasts, and long-range plans.
• Excellent analytical and problem-solving skills, with the ability to translate complex financial data into actionable insights.
• Strong leadership and communication skills, with the ability to effectively interact with all levels of the organization.
• Superior in financial modeling and data analysis tools (e.g., Excel, financial planning software).
• Experience with ERP systems (such as NetSuite) is a plus.
• Ability to thrive in a fast-paced, dynamic environment.
• Strong work ethic, attention to detail, and commitment to excellence.

Why Choose Sunbit?

Sunbit is recognized as one of the fastest-growing and most admired fintech companies, earning honors from Inc. 5000 (four consecutive years), Forbes Fintech 50, Deloitte Technology Fast 500, Financial Times, and FinTech Breakthrough for its innovation and impact. The company has also been featured among Newsweek's Most Loved Workplaces and CB Insights' Unicorn Companies, reflecting a valuation of $1.1B.

People choose Sunbit for its people-first culture rooted in service, inclusion, and real-world impact. Powered by AI that helps people in life's critical moments-offering high approvals, speed, and zero fees-Sunbit has achieved proven scale across tens of thousands of merchants and millions of transactions. Its fast, fair, and simple financial products empower consumers and partners alike through clarity and trust.

How We Pay:

• We believe in paying fairly and equitably based on a number of factors including but not limited to previous experience, relevant work history, interview performance, geographical location, internal equity, and expected level of ownership
• We are targeting a salary of $240,000 - $260,000 per year for this role
• This role will also be granted company equity via stock options

The Perks :

• Mission driven, empowered, and collaborative culture
• Competitive pay and stock options
• Unlimited PTO
• Comprehensive health benefits (Medical, Dental, Vision, Life, EAP, Parental Leave, HSA, & more)
• Newly added HSA and Pet Insurance
• 401(k) with company match
• Cell Phone Stipend
• Team-based strategic planning and ownership of deliverables

Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.


Recruitment Fraud Disclaimer


We've been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @ sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at [email protected] to confirm.

We ask that you contact [email protected] only about potential instances of fraud. [email protected] does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to [email protected] directly, and your email about your application will be deleted from our systems.